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The loan term and the APR offered will depend on your credit score, income, debt payment obligations, loan amount, credit usage history and other factors.
Additionally, the APR offered is impacted by your loan term and may be higher than our lowest advertised rate.
Payment example: Monthly payments for a ,000 loan at 12.8% APR with a term of 3 years would result in 36 monthly payments of 8. Advertised rates and terms are subject to change without notice. Variable rates from 5.74% APR to 14.700% APR (with Auto Pay). Your actual rate will be within the range of rates listed above and will depend on a variety of factors, including evaluation of your credit worthiness, years of professional experience, income and other factors. Interest rates on variable rate loans are capped at 14.95%.
So Fi rate ranges are current as of July 17, 2019 and are subject to change without notice. Lowest variable rate of 5.74% APR assumes current 1-month LIBOR rate of 2.41% plus 4.28% margin minus 0.25% Auto Pay discount.
Requests for the highest loan amount may result in an APR higher than our lowest advertised rate.
You need a minimum 700 FICO® score and a minimum individual annual income of 0,000 to qualify for our lowest rate.
All loans in MA must exceed ,000; in NM, OH must exceed ,000; in GA must exceed ,000.
APRs for variable rate loans may increase after origination if the LIBOR index increases.Your verifiable income must support your ability to repay your loan.Upon loan funding, the timing of available funds may vary depending upon your bank's policies.Marcus by Goldman Sachs® is a brand of Goldman Sachs Bank USA and all loans are issued by Goldman Sachs Bank USA, Salt Lake City Branch.Applications are subject to additional terms and conditions.
To check the rates and terms you qualify for, So Fi conducts a soft credit pull that will not affect your credit score.